PackageTrendsPeer
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Williams College Employees

Williamstown, MA · Charter 23693

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Williams College Employees

Williamstown, MA · Charter 23693

Q1 2013

$1.6MAssets
$383KLoans
$1.5MShares
$108KNet Worth

Executive Summary

  • Earnings: ROA of -5.36%, down 370 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.75%, down 247 bps from a year ago.
  • Funding: loans stand at 25.77% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

-5.36%-370 bps YoY

Net Interest Margin (YTD, annualized)

1.53%-36 bps YoY

Efficiency Ratio (YTD, annualized)

442%+25,659 bps YoY

Net Worth / Assets

6.75%-247 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-1.48%-1.71%-1.81%-1.66%-1.89%-1.84%-2.39%-5.36%-370 bps
Return on Equity-13.58%-17.09%-17.30%-17.99%-20.90%-22.90%-30.33%-79.35%-6,136 bps
Net Interest Margin2.30%2.21%2.36%1.88%1.89%1.72%1.83%1.53%-36 bps
Efficiency Ratio162.37%174.97%174.43%185.37%196.93%203%226%442%+25,659 bps
Growth
Asset Growth (YoY)3.28%5.81%-3.68%5.06%-0.57%1.92%1.53%-8.13%-1,319 bps
Loan Growth (YoY)-10.38%-5.99%-11.22%-16.89%-16.83%-13.90%-13.28%-23.20%-631 bps
Share Growth (YoY)6.11%9.46%-1.83%7.77%1.52%4.14%4.40%-5.50%-1,327 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.35%0.38%0.40%0.40%0.41%0.44%0.52%+12 bps
Capital
Risk-Based Capital10.90%9.99%10.45%9.23%9.04%8.04%7.90%6.75%-247 bps
Net Worth / Assets10.90%9.99%10.45%9.23%9.04%8.04%7.90%6.75%-247 bps
Liquidity & Funding
Loans / Shares39.63%36.25%36.54%31.71%32.46%29.97%30.35%25.77%-594 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps